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An auto accident can do serious damage. Especially to your wallet.

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​Avoid the financial pain that comes with an accident.

We all know how devastating the physical and emotional toll of an auto accident can be. Yet the financial impact can also be significant, especially when it comes to your automobile, perhaps one of your most treasured – and vulnerable – assets. Even the safest of drivers today face the risk of an accident, with the rise of factors such as distracted driving.

OMA Insurance has teamed up with The Personal Insurance Company to bring you Auto Insurance with the features, benefits, and preferred rates to provide the coverage you need and substantial ways to save. Enjoy the peace of mind of knowing that if problems arise – from collisions to theft to liability – you'll be protected from the financial hit.

Your car is personal. Its coverage should be, too.

Since OMA Insurance works exclusively with physicians, our Auto Insurance features a variety of solutions to suit you. Our coverage includes cars, light trucks, vans, motorcycles and recreational vehicles. Enjoy a wide range of benefits, such as:

Multi-Vehicle Discount: Enjoy substantial savings when you insure more than one vehicle through OMA Insurance.​

Accident-Free Protection: With this optional coverage, your car insurance premium won't increase as a result of your first at-fault accident.

$0 Deductible Option: Pay no deductible when making a claim, even if you're at fault.

Loyalty Savings: Make the switch to OMA Insurance and you could be eligible for additional savings of up to 15%.

Winter Tire Discount: Save up to 5% on your premium all year when you drive with four winter tires during the winter months.

Hybrid Vehicle Discount:Save on your premium while helping to take care of the environment.

Student Rates:Additional savings may be available for college or university students under the age of 25.

Multi-Line Discount: Insure your car and home with OMA Insurance and save even more.

Ajusto® – Usage-based Insurance Program: Drive safe and save up to 25% using the Ajusto app.

Ajusto is a usage-based insurance program that you can enjoy on your smartphone to help you monitor and improve your driving habits. The app will provide you your driving score that will determine your savings on your auto insurance premium at renewal. Using Ajusto never results in a rate increase or penalty. Everyone wins with enhanced safety and savings!​

Other features beyond Basic Insurance:

24/7 Call From The Scene:At no additional cost, call us if you're in an accident anywhere in North America and we'll help arrange for transportation and repairs.

Worry-Free Option: Coverage for when you borrow or rent a car for a short period if your car breaks down, is stolen, or is off the road following a covered accident.

Rate Information

Coverage is simple and affordable. Rates depend on a variety of factors, from your driving record to the type of vehicle to the use of your car. And even if your current insurance is still in force, give us your expiry date and we'll call to discuss how you can save with OMA Insurance when it's time to renew.

To learn more about rates, and to get a quote, contact The Personal directly at
1.877.277.7165. ​

Eligibility

OMA Auto Insurance is available to members of the OMA who reside in Ontario, including current and future physicians, their families, and their full-time permanent employees.

The Underwriting Process

OMA Insurance works to streamline the underwriting process as much as possible, reducing the complexity and time required to arrange coverage. Here are the steps required:

InquiriesLearn about coverage and apply by calling The Personal at 1.877.277.7165, or visiting our website.

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​QuoteAfter reviewing your relevant information, The Personal will offer you the best rates based on your needs. This should take approximately 20-30 minutes.

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Receive your PolicyOnce you accept the offer, you will be enrolled in the OMA Insurance program and your policy will be mailed to you right away.

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At this stage, and every stage.

To fully enjoy your assets, it's nice to know that your finances are protected. With OMA Insurance, you get coverage that makes sense for the things you love, today and at every stage of your career.

Certain conditions apply. The OMA Auto & Home Insurance Program is underwritten by The Personal General Insurance Inc. in Quebec and by The Personal Insurance Company in all other provinces and territories (collectively carrying on business as “The Personal”). The discounts and savings referred to are for Ontario residents only. Certain products and services may not be available in all provinces and territories. Auto insurance not available in Manitoba, Saskatchewan or British Columbia due to government-run plans. The clauses and terms pertaining to the described coverages are detailed in the insurance policy. Certain restrictions and exclusions are included therein.

Ajusto is underwritten by The Personal, which refers to The Personal Insurance Company. ® Ajusto is a registered trademark of Desjardins General Insurance Inc., used with permission by The Personal Insurance Company. The discount does not apply to certain endorsements and additional coverages. Please note that the discount will automatically be applied to the premium at renewal. Ajusto is only available in Ontario and Quebec.